Send by @handle
No account numbers, no routing digits. Type a handle, pick an amount, done.
Parcel is a full P2P payments app for personal and business accounts. Link a bank in seconds, send by handle, and watch ACH transfers settle — all on simulated rails you can swap for a live processor later.
No account numbers, no routing digits. Type a handle, pick an amount, done.
Sign in to your bank and accounts appear right away. No micro-deposits, no three-day wait.
Hold a balance, top up or cash out. Transfers move through a real pending-to-settled lifecycle.
Buy and sell BTC, ETH and USDC against your dollar balance at live sandbox prices.
Live ACH always runs through a licensed processor, and every one requires identity and bank verification by law — no app can skip it. Parcel keeps the experience painless and simulates settlement timing, so the flows are already correct on the day a real provider is connected. Our production target is Stripe (ACH + Financial Connections + Identity), with Dwolla as the scale-up option — see the decision memo in docs/processors.md.